The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$25,117
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,898
−HK$794/mo
Today · 4.125%
HK$26,692
baseline
▲ 0.50% · 4.625%
HK$28,316
+HK$1,624/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,384/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,942
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$28,691
−HK$761/mo
Today · 4.125%
HK$29,452
baseline
▲ 0.50% · 4.625%
HK$31,004
+HK$1,552/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,904/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,140
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,077
−HK$953/mo
Today · 4.125%
HK$32,030
baseline
▲ 0.50% · 4.625%
HK$33,979
+HK$1,949/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$64,060/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,530
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,430
−HK$912/mo
Today · 4.125%
HK$35,342
baseline
▲ 0.50% · 4.625%
HK$37,205
+HK$1,863/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$70,684/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,163
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,257
−HK$1,111/mo
Today · 4.125%
HK$37,368
baseline
▲ 0.50% · 4.625%
HK$39,642
+HK$2,274/mo
Deposit HK$3.30M · loan HK$7.71M · min. income ≈ HK$74,736/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,119
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,168
−HK$1,064/mo
Today · 4.125%
HK$41,232
baseline
▲ 0.50% · 4.625%
HK$43,406
+HK$2,174/mo
Deposit HK$3.30M · loan HK$7.71M · min. income ≈ HK$82,464/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,210
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$46,616
−HK$1,429/mo
Today · 4.125%
HK$48,045
baseline
▲ 0.50% · 4.625%
HK$50,968
+HK$2,923/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$96,090/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$413,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,296
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$51,644
−HK$1,369/mo
Today · 4.125%
HK$53,013
baseline
▲ 0.50% · 4.625%
HK$55,807
+HK$2,794/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$106,026/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$413,056 · Scale 2, in force from 26 Feb 2026)